tomo logo

$350,000

Beds
3
Baths
2.0
sq ft
1,508

404 Emerald Cove Loop, Lakeland, FL 33813

404 Emerald Cove Loop

LAKELAND, FL 33813

  • 1 day on market
Welcome to 404 Emerald Cove, a charming home located in the highly sought-after South Lakeland area, just minutes from convenient access to the Polk Parkway. This well-maintained corner lot property offers a split bedroom floor plan, perfect for privacy and comfort. As you enter, double doors open to the spacious primary bedroom, which features tile and luxury vinyl plank flooring throughout the home. The living area seamlessly flows into the kitchen, which overlooks the living room and is ideal for entertaining. Sliding glass doors lead to the lanai, where you can enjoy the sparkling chlorine pool and a fully fenced backyard with a double gate for easy access. The vaulted ceiling in the living room, complete with a ceiling fan, adds an airy feel to the space, while the formal dining area provides the perfect setting for meals with family and friends. The interior laundry room is conveniently located adjacent to the two-car garage. Recent updates to the home include a full kitchen remodel completed in 2022, with stunning quartz countertops, tile backsplash, a new sink, and faucet. In 2023, all stainless steel Samsung kitchen appliances were purchased and installed, including a refrigerator, range, dishwasher, and microwave. Other notable upgrades include a new air conditioning system installed in 2024 and a completely rewired electrical box in 2023. The home also features an ADT security system with chimes and a panel, a Ring doorbell, and a termite preventative treatment with annual inspections. The pool and porch were rescreened in 2021, and laminate flooring was installed in the bedrooms in 2022 and 2023. This property is move-in ready and offers the perfect blend of comfort, convenience, and peace of mind. Schedule your tour today!

Details

Property type

Single Family Residence

Est. home value

$361,837

Lot size

0.24 acres

Price per sq ft

$233

Year built

1994

Annual property taxes

$4,987

Monthly HOA fee

$50

Price History

03/08/2025
StellarMLS

StellarMLS #L4951310

Listed
$350,000
+32.08%
03/31/2021
StellarMLS

StellarMLS #T3292653

Sold
$265,000
+16.84%
09/24/2019
StellarMLS

StellarMLS #L4909548

Sold
$226,800

Schools & Community

Elementary school: 

Highland Grove Elem

Middle school: 

Lakeland Highlands Middl

High school: 

George Jenkins High

Negotiation Insights

Before you make an offer, understand who you are negotiating with so you can tailor your negotiation strategy to their situation.

Seller could get up to

$131,060
Asking price
$350,000
Closing costs (~8% of asking)
-$28,000
Est. remaining loan balance
-$190,940
Cash to seller
$131,060

This is an estimate of how much the seller could receive at closing after paying off the outstanding mortgage.

Seller’s Loan History

Lender

Truist Bank

Loan start date

March 2021

Original loan amount

$209,600

Est. remaining balance

$190,940

Interest rate

2.73%

Loan type

New Conventional, 30 year

Seller

Mark Randall Stephens and Susan Jane Stephens

Source: Public records data

If you're the owner, you can request to remove loan details. Email listingsupport@tomo.com

How insights can help you

Interest rate

If the seller has a low interest rate, they may be tempted to rent the property out if they can't get the price they have in mind.

Motivation

If the seller already got a job in a different city, they may feel pressure to sell quickly to free up cash for a new home.

Equity

If the seller stands to receive a large amount of cash when they sell the property, they might be willing to negotiate on the offer price.

Interested in learning more?

Status: Active

Tomo last checked: 03/09/2025 at 12:55 PM

Listing updated: 03/09/2025 at 6:54 AM

Listed by: Christine Hubbert, BHHS FLORIDA PROPERTIES GROUP Phone #: (863) 701-2350

MLS: StellarMLS #L4951310

StellarMLS logo

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